UPST - Upstart Holdings, Inc. Stock Analysis & Valuation

Upstart Holdings, Inc. (UPST) trades at $23.02 with an EquitAI Valuation DNA score of 3/10 and Quality score of 4/10. The company's trailing P/E ratio is 37.0x. These scores evaluate balance sheet leverage, free cash flow generation, and fundamental multiples against historical benchmarks.

Wall Street analysts have a consensus 12-month price target of $38.1 for Upstart Holdings, Inc. (UPST), representing an implied 65.6% upside from its current trading level of $23.02 with an average rating of Buy based on 4 analyst ratings. Individual analyst price targets range from a low of $28.0 to a high of $51.0, with a median forecast of $37.5. EquitAI benchmarks analyst consensus projections against intrinsic Financial DNA valuation pillars.

Upstart Holdings, Inc. does not currently pay a regular dividend yield, prioritizing capital reinvestment into operations, product development, and balance sheet strength.

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